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Medicare Part D - Comparing drug plans

In 2019, there were a total of 901 different Medicare Part D prescription drug plan options offered nationwide, according to the Kaiser Family Foundation (KFF). Most beneficiaries have a choice of 23 different plans.1

With so many options, it is important to compare plans and find one that works for your coverage needs and budget.

You can call 1-800-557-6059TTY 711, 24/7 to compare plans over the phone with the help of a licensed insurance agent.

You should make sure to compare the following 3 factors when choosing your Part D plan:

Benefits

Costs

Star ratings2

You should try to enroll in a Part D plan when you are first eligible to do so. If you miss your Initial Enrollment Period, you may face a late enrollment penalty.

Compare benefits

Each Part D plan has a different range of benefits. Before enrolling in a Part D plan, you should request the plan’s current formulary (drug list), coverage rules, and network pharmacies.

Formulary and tiers

Each Part D plan covers different prescription drugs, which will all be listed on the plan’s formulary. You should find a plan that covers your prescribed medications. You may have to pay out-of-pocket for prescriptions that are not on a plan’s approved drug list.

You also should review the Part D plan’s tiers. Different plans may place the same drug in different tiers, which will affect your out-of-pocket costs. For example, one plan may put a certain brand-name drug in Tier 1, but another plan may put the same brand name drug in Tier 2, which could require a higher co-payment.

Coverage rules

Part D plans also have varying coverage rules that can affect your access to certain prescriptions. You should review the rules for quantity limits, prior authorization, and step therapy before enrolling in a plan.

Network pharmacies

Some Part D plans have contracts with pharmacies. If you visit in-network pharmacies, your prescription drug costs may be lower. If you fill a prescription at a non-network pharmacy, your plan may charge you more or not cover your medication costs at all.

Compare costs

It is important to find a plan that fits your coverage needs and covers all of your prescription drugs before comparing plan premiums. If you enroll in a plan that does not cover all of your medications, you may be forced to pay out-of-pocket for these drugs.

In addition to plan premiums, you should compare other Part D plan out-of-pocket costs, including deductibles, coinsurance, and copayments, which may be different for each plan.

Compare plans in your local area right now.

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1 Kaiser Family Foundation. Medicare Part D: A First Look at Prescription Drug Plans in 2019. (Oct. 16, 2018). Retrieved from www.kff.org/medicare/issue-brief/medicare-part-d-a-first-look-at-prescription-drug-plans-in-2019.

2 Medicare evaluates plans based on a 5- star rating system. Star Ratings are calculated each year and may change from one year to the next.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply. Benefits, premiums and/or member cost-share may change on January 1 of each year.

MedicareAdvantage.com is a website owned and operated by TZ Insurance Solutions LLC. TZ Insurance Solutions LLC is a licensed and certified representative of A Medicare Advantage HMO, PPO and PFFS organization and a stand-alone prescription drug plan with a Medicare contract. Enrollment in any plan depends on contract renewal.

TZ Insurance Solutions LLC and the licensed sales agents that may call you are not connected with or endorsed by the U.S. Government or the federal Medicare program. This website does not contain a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call (877) 486-2048), 24 hours a day / 7 days a week or consult www.medicare.gov.

Not all plans or products are available in all markets. Additional plans may be available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.